CN107239948B - Method and device for business processing, computer equipment and storage medium - Google Patents

Method and device for business processing, computer equipment and storage medium Download PDF

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Publication number
CN107239948B
CN107239948B CN201710334834.XA CN201710334834A CN107239948B CN 107239948 B CN107239948 B CN 107239948B CN 201710334834 A CN201710334834 A CN 201710334834A CN 107239948 B CN107239948 B CN 107239948B
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stored value
mark
value card
holding
information
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CN107239948A (en
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查文
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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Priority to CN201710334834.XA priority Critical patent/CN107239948B/en
Publication of CN107239948A publication Critical patent/CN107239948A/en
Priority to PCT/CN2018/081238 priority patent/WO2018205766A1/en
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Publication of CN107239948B publication Critical patent/CN107239948B/en
Priority to US16/545,912 priority patent/US20190370846A1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

A kind of method and device for business processing of present invention offer, computer equipment and storage medium, this method include：When getting the process instruction to stored value card, stored value card account, consumer's mark, the side's of holding mark are obtained；Resource information is generated according to stored value card account, consumer's mark and the side's of holding mark, terminal is received by resource and obtains transfer numerical value and resource information, the corresponding remaining sum of stored value card account is reduced into transfer numerical value and obtains service processing result, and resource transfers information is sent to server-side according to service processing result, server-side is received in consumer's mark and the inconsistent side's of holding mark, is asked according to the resource transfers that resource transfers information is sent；It when receiving the confirmation asked to resource transfers instruction, sends resource transfers to server-side and confirms, identifying corresponding account balance from consumer by server-side reduces transfer numerical value, and identifying corresponding account balance addition from the side of holding shifts numerical value.The method increase the utilization rates of stored value card.

Description

Method and device for business processing, computer equipment and storage medium
Technical field
The present invention relates to Internet technical fields, more particularly to a kind of method and device for business processing, computer equipment And storage medium.
Background technology
It recoups funds in advance to improve, locks high-end customer, more and more businessmans release stored value card.Stored value card is by quotient Family's distribution, fund is stored in card by holder in advance, and when consumption withholds out of card.
The pre-stored number of usual Stored Value card request is all bigger, in order to reduce the risk of holder and stimulate consumption, Businessman can't limit stored value card only holder and use, and stored value card can be lent friends and family's use by holder, by means of arriving The consumer of stored value card shows stored value card can also consume in businessman.
And stored value card be it is unique, when by means of the consumer to stored value card consumption when, holder or holder its Its friends and family can not use the stored value card, low so as to cause the utilization rate of stored value card.
Invention content
Based on this, it is necessary to for the low problem of utilization rate of stored value card, provide a kind of method and device for business processing, meter Calculate machine equipment and storage medium.
A kind of method for processing business, including：
When getting the process instruction to stored value card, stored value card account, consumer's mark, the side's of holding mark, institute are obtained It is corresponding with the stored value card account to state the side's of holding mark；
Resource information is generated according to the stored value card account, consumer's mark and the side's of holding mark, terminal is received by resource Transfer numerical value and the resource information are obtained, the corresponding remaining sum of the stored value card account, which is reduced the transfer numerical value, obtains business Handling result, and resource transfers information is sent to server-side according to the service processing result, the resource transfers information includes Shift numerical value, consumer's mark and the side's of holding mark；
The server-side is received in consumer mark and the inconsistent side of holding mark, is turned according to the resource The resource transfers request that information is sent is moved, the resource transfers request includes transfer numerical value and the side's of holding mark；
When receiving the confirmation asked to resource transfers instruction, sends resource transfers to server-side and confirm, by institute It states server-side and identifies the corresponding account balance reduction transfer numerical value from the consumer, identified from the side of holding corresponding Account balance adds the transfer numerical value.
A kind of method for processing business, including：
Receive the resource transfers information that resource endpoint is sent；The resource transfers information includes transfer numerical value, consumer's mark Know and the side's of holding mark；The resource transfers information receives terminal by resource and is based on the corresponding remaining sum of stored value card account reducing institute The service processing result obtained after transfer numerical value is stated to send；
In consumer's mark and the inconsistent side of holding mark, identified to consumer according to the resource transfers information Corresponding terminal sends resource transfers request, and the resource transfers request includes transfer numerical value and the side's of holding mark；
When receiving resource transfers confirmation, identifies corresponding account balance from the consumer and reduce the transfer number Value identifies corresponding account balance from the side of holding and adds the transfer numerical value, and the resource transfers confirmation is marked by consumer Know corresponding terminal to send when receiving the confirmation for asking resource transfers instruction.
A kind of business processing device, including：Acquisition module, sending module, receiving module；
The acquisition module, for when getting the process instruction to stored value card, obtaining stored value card account, consumer's mark Know, the side's of holding mark, the side's of holding mark is corresponding with the stored value card account；
The sending module, for generating resource letter according to the stored value card account, consumer's mark and the side's of holding mark Breath, receives terminal by resource and obtains transfer numerical value and the resource information, and the corresponding remaining sum of the stored value card account is reduced institute It states transfer numerical value and obtains service processing result, and resource transfers information, institute are sent to server-side according to the service processing result It includes transfer numerical value, consumer's mark and the side's of holding mark to state resource transfers information；
The receiving module, it is inconsistent in consumer mark and the side of holding mark for receiving the server-side When, it is asked according to the resource transfers that the resource transfers information is sent, the resource transfers request includes transfer numerical value and holds Side's mark；
The sending module is additionally operable to, when receiving the confirmation for asking resource transfers instruction, send out to server-side Resource transfers are sent to confirm, identifying corresponding account balance from the consumer by the server-side reduces the transfer numerical value, from The side of holding identifies corresponding account balance and adds the transfer numerical value.
A kind of business processing device, including：Information receiving module, information sending module and processing module；
Described information receiving module, the resource transfers information for receiving resource endpoint transmission；The resource transfers information Including transfer numerical value, consumer's mark and the side's of holding mark；The resource transfers information receives terminal by resource and is based on Stored Value The corresponding remaining sum of card account reduces the service processing result obtained after the transfer numerical value and sends；
Described information sending module, for consumer mark with the side of holding identify it is inconsistent when, according to the money Source transinformation identifies corresponding terminal to consumer and sends resource transfers request, and the resource transfers request includes transfer numerical value With the side's of holding mark；
The processing module is identified more than corresponding account from the consumer for when receiving resource transfers and confirming Volume reduces the transfer numerical value, and identifying corresponding account balance from the side of holding adds the transfer numerical value, and the resource turns It moves and confirms that identifying corresponding terminal when receiving confirmation ask to the resource transfers and instructing by consumer sends.
A kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor Computer program, the processor realizes above-mentioned method for processing business when executing described program.
A kind of storage medium, is stored thereon with computer program, which realizes above-mentioned business when being executed by processor Processing method.
Above-mentioned method and device for business processing, when getting the process instruction to stored value card, according to the Stored Value of acquisition Card account, consumer's mark, the side's of holding mark generate resource information, receive terminal acquisition transfer numerical value by resource and resource is believed Breath reduces transfer numerical value from the corresponding remaining sum of stored value card account and obtains service processing result, according to service processing result to service End sends resource transfers information, receives the resource transfers that server-side is sent according to resource transfers information and asks, when receiving to providing It when the confirmation instruction of source transfer request, sends resource transfers to server-side and confirms, corresponding account is identified from consumer by server-side Family remaining sum reduces transfer numerical value, and corresponding account balance addition transfer numerical value is identified from the side of holding.Due to receiving terminal in resource It is corresponding from consumer's mark by server-side according to resource information after the corresponding remaining sum of stored value card account reduces transfer numerical value Account balance reduces transfer numerical value, and corresponding account balance addition transfer numerical value, therefore, the information of stored value card are identified from the side of holding Stored value card card is no longer relied on, other users can be possessed Stored Value card information and be consumed based on Stored Value card information simultaneously, And to the side's of holding payment of stored value card after consumption, to improve the utilization rate of stored value card.
Description of the drawings
Fig. 1 is the application environment schematic diagram for the method and device for business processing that one embodiment provides；
Fig. 2 is the internal structure schematic diagram of the first terminal and second terminal in one embodiment；
Fig. 3 is the flow chart of the method for processing business of one embodiment；
Fig. 4 is the corresponding interactive schematic diagram of method for processing business shown in Fig. 3；
Fig. 5 is the display interface schematic diagram of the resource transfers request confirmation of one embodiment；
Fig. 6 is the schematic diagram of the resource information of one embodiment；
Fig. 7 is the flow chart of the method for processing business of another embodiment；
Fig. 8 is the schematic diagram of the association user list of one embodiment；
Fig. 9 is the schematic diagram that the terminal-pair entity stored value card card of one embodiment is taken pictures；
Figure 10 is the flow chart of the method for processing business of another embodiment；
Figure 11 is the display interface of the stored value card received by the side's of sharing terminal in one embodiment；
The flow chart of the method for processing business of Figure 12 further embodiments；
Figure 13 is the flow chart of the method for processing business of one embodiment；
Figure 14 is the schematic diagram of the transfer numerical value message of one embodiment；
Figure 15 is the schematic diagram of the Stored Value card interface of the social networking application of the terminal of one embodiment；
Figure 16 is the structure diagram of the business processing device of one embodiment；
Figure 17 is the structure diagram of the business processing device of another embodiment；
Figure 18 is the structure diagram of the business processing device of one embodiment.
Specific implementation mode
To make the objectives, technical solutions, and advantages of the present invention more comprehensible, with reference to the accompanying drawings and embodiments, to this Invention is described in further detail.It should be appreciated that the specific embodiments described herein are only used to explain the present invention, Do not limit protection scope of the present invention.
The present invention provides a kind of method for processing business, and user can be stored up by being operated in terminal according to receiving Value card is consumed, and to the holder of stored value card after consumption.
Fig. 1 is the application environment schematic diagram of stored value card sharing method and device that one embodiment provides.As shown in Figure 1, The application environment includes that first terminal 101, second terminal 102, server-side 103 and resource receive terminal 104, first terminal 101 And second terminal 102 is communicated with server-side 103 by network respectively, resource receives terminal 104 and passes through with server-side 103 Network is communicated.Resource receives terminal and is mounted on businessman side, and first terminal 101 is located at consumer side, and second terminal 102 is located at The side of holding side, the user of second terminal 102 are the holder of stored value card.First terminal 101 shows the stored value card received, resource The corresponding Quick Response Code of stored value card that terminal 104 is shown by scanning first terminal 101 is received, or is carried out with first terminal 101 Point obtains communication (such as NFC) information of stored value card.Resource receives terminal and is deducted from corresponding account according to Stored Value card information After consuming remaining sum, resource transfers information is sent to server-side 103.Server-side 103 is according to resource transfers information and first terminal 101 confirmations sent reduce transfer numerical value from the corresponding account balance of consumer, add from the corresponding account balance in the side of holding Add transfer numerical value.First terminal 101 and second terminal 102 can be with intelligent mobile terminals, including but not limited to mobile phone, tablet computer Or personal digital assistant or Wearable etc..
Fig. 2 is the internal structure schematic diagram of the first terminal and second terminal in one embodiment.As shown in Fig. 2, terminal Include processor, storage medium, built-in storage, network interface, display screen, camera and the input dress connected by system bus It sets.Wherein, which supports the operation of entire terminal for providing calculating and control ability.The storage medium of terminal stores There are operating system and a kind of computer program of business processing device, the computer program of the business processing device is by processor When execution, for realizing a kind of method for processing business.The built-in storage of terminal is the business processing device operation in storage medium Environment is provided.The network interface of terminal is used to carry out network communication with server-side, for example, receiving the resource transfers that server-side is sent Request etc..The display screen of terminal can be liquid crystal display or electric ink display screen etc., and input unit can be display screen The touch layer of upper covering can also be the button being arranged in terminal enclosure, trace ball or Trackpad, can also be external key Disk, Trackpad or mouse etc..The terminal can be mobile phone, tablet computer or personal digital assistant or Wearable etc..This Field technology personnel are appreciated that structure shown in Figure 2, only with the block diagram of the relevant part-structure of the present invention program, The restriction for the terminal being applied thereon to the present invention program is not constituted, specific terminal may include more than as shown in the figure Or less component, it either combines certain components or is arranged with different components.
Fig. 3 is the flow chart of the method for processing business of one embodiment, and this method operates in first terminal shown in FIG. 1 101.In the present embodiment, using first terminal as consumer's terminal, using second terminal as the side's of holding terminal.Fig. 4 is shown in Fig. 3 The corresponding interactive schematic diagram of method for processing business.As shown in Figure 3 and Figure 4, this approach includes the following steps：
S302：When getting the process instruction to stored value card, stored value card account, consumer's mark, the side's of holding mark are obtained Know, the side's of holding mark is corresponding with stored value card account.
Stored value card is issued by businessman, can be entity stored value card card and virtual stored value card.Virtual stored value card refers to businessman By social networking application server-side to the electronic card certificate for the user's distribution supplemented with money.The electronic card certificate is stored in terminal, has stored value card Payment function.After the side of holding supplements certain amount of money with money in businessman, businessman issues stored value card to the side of holding.Holder can pass through society Application is handed over to share stored value card to good friend.Entity stored value card card is stored in the terminal in the form of electronic data, for example, entity stores up It is worth the photo of card card.Stored value card in the present embodiment is the stored value card that other users are shared by social networking application.
Process instruction is based on user and carries out delivery operation generation to stored value card in terminal.For example, user is selected by terminal It selects stored value card ready for use and carries out delivery operation, terminal generates process instruction according to delivery operation.It is obtained based on process instruction Stored value card account, consumer's mark, the side's of holding mark, the side's of holding mark are corresponding with stored value card account.The side's of holding card is identified as Stored Value The identity of the holder of card, for example, account of the holder in social networking application.
S304：Resource information is generated according to stored value card account, consumer's mark and the side's of holding mark, terminal is received by resource Transfer numerical value and resource information are obtained, the corresponding remaining sum of stored value card account, which is reduced transfer numerical value, obtains service processing result, and Resource transfers information is sent to server-side according to service processing result, resource transfers information includes transfer numerical value, consumer's mark With the side's of holding mark.
Resource information can be include stored value card account, consumer's mark and the data that identify of the side of holding, pass through first eventually End receives the point-to-point communication of terminal with resource, sends data to resource and receives terminal.Resource information can also be include storage The bar code and/or Quick Response Code that value card account, consumer's mark and the side of holding identify, are received terminal by resource and are scanned using scanner The bar code and/or Quick Response Code that first terminal is shown, reading obtain resource information.
Resource in the present embodiment receives the cashier terminal that terminal can be businessman side.Consumer is led to after businessman consumes It crosses and initiates payment using the stored value card of spreadsheet format.Resource is set to receive by way of showing Quick Response Code or point-to-point communication Terminal obtains resource information.Resource receives terminal and also obtains transfer numerical value.It is real consumption of the consumer in businessman to shift numerical value The amount of money or it is preferential after spending amount.
The side of holding obtains stored value card by supplementing certain amount of money with money in businessman.It is got when the resource of businessman side receives terminal When resource information and transfer numerical value, the corresponding remaining sum of stored value card account is reduced into transfer numerical value and obtains service processing result.Business Handling result include stored value card account consumption after remaining sum.
Resource receives terminal and sends resource transfers information, the service in the present embodiment according to server-side according to business processing End is the server-side of social networking application.Resource transfers information includes transfer numerical value, consumer's mark and the side's of holding mark.
S306：Server-side is received in consumer's mark and the inconsistent side's of holding mark, is sent according to resource transfers information Resource transfers request, resource transfers request includes the transfer numerical value and side's of holding mark.
When server-side receives resource transfers information, judge that consumer's mark identifies whether unanimously with the side of holding.If consumption Side's mark is consistent with the side's of holding mark, then shows that consumer is the Fang of holding, without carrying out resource transfers.If consumer identifies Inconsistent with the side's of holding mark, then server-side asks to consumer to identify corresponding according to resource transfers information transmission resource transfers Terminal (i.e. first terminal), resource transfers request include transfer numerical value and the side's of holding mark.
S308：When receiving the confirmation asked to resource transfers instruction, sends resource transfers to server-side and confirm, by taking End be engaged in from the corresponding account balance reduction transfer numerical value of consumer's mark, identifies corresponding account balance addition from the side of holding and shifts Numerical value.
First terminal asks the display interface that showing resource transfer confirms according to resource transfers.The resource of one embodiment turns The display interface of request confirmation is moved as shown in figure 5, showing transfer numerical value (spending amount), the side's of holding mark (transfer object mark Know) and payment method.The payment method that social networking application is supported may be selected in payment method, for example, the bank with social networking application binding Card, user social networking application change etc..The means of payment can be selected by user.
Consumer's display interface shown in Fig. 5, which is clicked, to be confirmed, first terminal receives the confirmation asked resource transfers When instruction, sends resource transfers to server-side and confirm.Server-side is identified from consumer reduces transfer number in corresponding account balance Value identifies addition transfer numerical value in corresponding account balance from the side of holding.
Above-mentioned method for processing business, it is corresponding remaining from stored value card account according to resource information due to receiving terminal in resource After volume reduces transfer numerical value, corresponding account balance is identified from consumer by server-side and reduces transfer numerical value, from the side's of holding mark Know corresponding account balance addition transfer numerical value, therefore, the information of stored value card no longer relies on stored value card card, other user's energy Enough while possessing Stored Value card information and being consumed based on Stored Value card information, and is paid to the side of holding of stored value card after consumption Money, to improve the utilization rate of stored value card, the utilization rate of stored value card improves, and further accelerates disappearing for remaining sum in stored value card Consumption, reduces the financial risks of holder.
In another embodiment, resource information is generated according to stored value card account, consumer's mark and the side's of holding mark Step includes：According to stored value card account, consumer's mark, the side's of holding mark generates Quick Response Code and/or bar code, resource information include Quick Response Code and/or bar code.In the present embodiment, according to stored value card account, consumer mark, the side of holding mark generation Quick Response Code and/ Or bar code, Quick Response Code and/or bar code are payment code.Consumer receives terminal and passes through barcode scanning by terminal display payment code, resource The bar code or and/or Quick Response Code acquisition includes stored value card account, consumer identifies and the side's of holding mark that rifle scanning first terminal is shown The resource information of knowledge.The resource information of one embodiment is as shown in Figure 6.
In another embodiment, resource information is being generated according to stored value card account, consumer's mark, the side's of holding mark After step, further include：It is communicated with resource reception terminal and resource information is sent to resource reception terminal.
It is point-to-point communication that resource in the present embodiment, which receives terminal and the communication mode of first terminal,.Specifically, it utilizes The short distance wireless communication technology (NFC), bluetooth, infrared, Zibee (ZigBee protocol), UWB (UltraWideBand, ultra-wideband) or Radio Frequency Identification Technology (RFID), first terminal send out the resource information identified including stored value card account, consumer's mark, the side of holding It send to resource and receives terminal.It is understood that it includes corresponding hardware device and software that resource, which receives terminal and first terminal, Equipment can be communicatively coupled based on NFC, bluetooth, infrared, Zibee, UWB or RFID.
Fig. 7 is the flow chart of the method for processing business of another embodiment.As shown in fig. 7, comprises following steps：
S702：When receiving to stored value card when sharing request, acquisition includes the Stored Value card information of stored value card account, holds Side's mark；The side of holding, which is identified as, shares the corresponding user identifier of request originator.
In the present embodiment, first terminal can also be used as the side's of holding terminal, by what is electronically stored in first terminal Stored value card shares other good friends into social networking application.
The stored value card that stored value card in the present embodiment is held by consumer, i.e. consumer are holder.Share request base Sharing operation generation is carried out to stored value card in terminal in the side of sharing.For example, user selects stored value card to be shared by terminal And sharing operation is carried out, request is shared in acquisition.Based on Stored Value card information, the side's of the holding mark for sharing acquisition request stored value card account Know.The side of holding, which is identified as, shares the corresponding user identifier of request originator.The side's of holding mark in the present embodiment is a Stored Value The corresponding mark of promoter that the first time of card shares.
S704：Obtain association user list, association user list include and the side of holding identify there are each use of incidence relation Family information.
Each user identifier of good friend is interrelated each other in social networking application, when some group is added in user, Yong Hubiao Know interrelated with group identification.By obtaining, there are each user informations of incidence relation to obtain association user with the side's of holding mark List.Association user list may include good friend and/or the group of user.
Specifically, after obtaining associated each user identifier and/or group identification, each user identifier to acquisition and/or Group identification is ranked up to obtain association user list.Specifically, it obtains in the nearest period of setting, for example, nearest one In month, interactive the first user identifier and/or the first group identification with the side's of holding mark, according to nearest interaction time to acquisition Each first user identifier and/or the first group identification are ranked up, to removing first in associated user identifier and/or group identification The sequence that second user outside user identifier and/or the first group identification identifies and/or the second group identification is according to first letter female carries out Sequence obtains association user list.In the nearest period of setting, the first user identifier and/or the with the side of holding mark interaction One group identification is the nearest contact person that the side of holding identifies.It is believed that having recently with the side of holding in the very big program of contact person More intimate relationship, the probability that the side of holding selects user to be shared from nearest contact person is bigger, therefore, will contact recently People's sequence can be convenient for user to select preceding.
S706：Obtain by association user list select by the side's of sharing mark.
Fig. 8 is the schematic diagram of the association user list of one embodiment.Association user list is in first terminal displaying, user By selecting good friend and/or group as by the side of sharing in first terminal operation, obtain selected by the side's of sharing mark.
S708：Stored Value card information, the side's of holding mark are sent to server-side based on instruction is shared, Stored Value is established by server-side The correspondence that card account is identified with the side of holding, and when meeting Stored Value card information transmission condition, by Stored Value card information and hold Side's mark be sent to by the corresponding terminal of the side's of sharing mark.
Stored Value card information sends condition and can be configured by server-side, for example, the Stored Value that server-side will receive in real time Card information is sent to the side's of holding mark and identifies corresponding terminal by the side of sharing.In another example server-side receives Stored Value card information When, send state update notification to corresponding terminal is identified by the side of sharing.Corresponding terminal is identified according to state more by the side of sharing New notice dispaly state update mark or message informing, are shared with prompting user to receive new stored value card.Passed through by the side of sharing It is asked to server-side transmission data to receive Stored Value card information and the side's of sharing mark in terminal.Specifically, passed through by the side of sharing It is asked to server-side transmission data at the interface for refreshing the stored value card received in terminal.
Stored Value card information is stored in the side's of sharing mark by the corresponding terminal in the side of sharing.Being shared can receive in terminal-pair To stored value card handled with realize payment.
Above-mentioned method for processing business, first terminal are also used as the side's of holding terminal, and the stored value card held is shared with Associated other users are identified with the side of holding, the information of stored value card no longer relies on stored value card card, and other users can be simultaneously Possess Stored Value card information and consumed based on Stored Value card information, further increases the utilization rate of stored value card.
In another embodiment, stored value card is entity stored value card card, by taking pictures to entity stored value card card Stored Value card information is stored in terminal in the form of electronic data.Specifically, in step S702, obtain stored value card account the step of Include the following steps S1 to step S4：
S1：When receiving to stored value card when sharing request, obtains the side of holding and identify and open camera.
Terminal is equipped with the driver of camera, and when terminal is received to stored value card when sharing request, acquisition is shared Side identifies and executes the camera that the driver opens a terminal.After camera is opened, the image information in angular field of view is acquired.
S2：Photographing instruction is received, and obtains the storage for the acquisition that entity stored value card card take pictures according to the photographing instruction It is worth card picture.
Fig. 9 is the schematic diagram that the terminal-pair entity stored value card card of one embodiment is taken pictures.As shown in figure 9, camera shooting After head is opened, the display area 901 of terminal display interface shows the image information in the visual range of camera.The display of terminal Interface also shows button 902 of taking pictures.Entity stored value card is placed in the visual range of camera by user, clicks button of taking pictures 902 triggering photographing instructions.Terminal receives photographing instruction, and is taken pictures to obtain stored value card to entity stored value card according to photographing instruction Picture.After the completion of taking pictures, stored value card picture is stored in terminal.
S3：Word in identification stored value card picture obtains stored-value-card issuance side's title and stored value card account, Stored Value card information Including publisher's title and stored value card account.
In general, entity stored value card is printed with publisher's (businessman) title and stored value card card number, known using character recognition technology Word in other stored value card picture, obtains stored-value-card issuance side's title and stored value card card number.Stored Value card information can also include storage It is worth card picture.
In another embodiment, first terminal is also used as, by the side's of sharing terminal, receiving the other good of social networking application The stored value card that friend shares.Specifically, as shown in Figure 10, include the following steps：
S102：When receiving the refreshing instruction to stored value card, asked to server-side transmission data.
When server-side receives the Stored Value card information shared, lead to being identified corresponding terminal by the side of sharing and being sent state and update Know.Corresponding terminal is identified by the side of sharing, mark or message informing are updated according to state update notification dispaly state, to prompt to use Family receives new stored value card and shares.First terminal in terminal to server-side transmission data by asking to receive stored value card letter It ceases and the side's of holding mark.Specifically, it is sent to server-side by the side of sharing by refreshing the interface of the stored value card received in terminal Request of data.
S104：Receive the Stored Value card information that the request of server-side response data is sent.
S106：Show the Stored Value card information received；Stored value card information includes stored value card account and the side's of holding mark.One The display interface of the stored value card received by the side's of sharing terminal in embodiment is as shown in figure 11, including stored value card picture and the side of holding Mark.
In another embodiment, first terminal is also used as the side's of sharing terminal, and the stored value card received is shared society Hand over other good friends of application.Specifically, as shown in figure 12, include the following steps：
S122：When getting when the sharing request of stored value card to receiving, acquisition includes the stored value card of stored value card account Information, the side of holding identify and the side's of sharing mark.
Stored value card in the present embodiment is the stored value card that the good friend for the social networking application that the side of sharing receives shares.Share request Sharing operation generation is carried out to stored value card on first terminal based on the side of sharing.For example, user selects to wait for point by first terminal The stored value card enjoyed simultaneously carries out sharing operation, and request is shared in acquisition.Based on share acquisition request stored value card account Stored Value card information, The side of holding identifies and the side's of sharing mark.The side of holding is identified as the promoter that the stored value card is shared for the first time.
S124：Association user list is obtained, association user list includes that there are each use of incidence relation with the side's of sharing mark Family information.
Each user identifier of good friend is interrelated each other in social networking application, when some group is added in user, Yong Hubiao Know interrelated with group identification.By obtaining, there are each user informations of incidence relation to obtain association user with the side's of sharing mark List.Association user list may include good friend and/or the group of user.
Specifically, after obtaining associated each user identifier and/or group identification, each user identifier to acquisition and/or Group identification is ranked up to obtain association user list.Specifically, it obtains in the nearest period of setting, for example, nearest one In month, first user identifier and/or first group identification interactive with the side's of sharing mark, according to nearest interaction time to acquisition Each first user identifier and/or the first group identification are ranked up, to removing first in associated user identifier and/or group identification The sequence that second user outside user identifier and/or the first group identification identifies and/or the second group identification is according to first letter female carries out Sequence obtains association user list.When the nearest period of setting, with the first user identifier and/or the of the side of sharing mark interaction One group identification is the nearest contact person that the side of sharing identifies.It is believed that having recently with the side of sharing in the very big program of contact person More intimate relationship, the probability that the side of sharing selects user to be shared from nearest contact person is bigger, therefore, will contact recently People's sequence can be convenient for user to select preceding.
S126：Obtain by association user list select by the side's of sharing mark.
Fig. 8 is the schematic diagram of the association user list of one embodiment.Association user list passes through in terminal display, user It selects good friend and/or group as by the side of sharing in terminal operation, obtains selected by the side's of sharing mark.
S128：Stored Value card information, the side's of holding mark, the side's of sharing mark are identified into transmission with by the side of sharing based on instruction is shared Stored Value card information, the side of holding are identified and the side's of sharing mark by server-side when meeting Stored Value card information transmission condition to server-side Knowledge be sent to by the corresponding terminal of the side's of sharing mark.
Stored Value card information is stored in the side's of sharing mark by the corresponding terminal in the side of sharing.Being shared can receive in terminal-pair To stored value card handled with realize payment.
Above-mentioned method for processing business, first terminal are also used as the side's of sharing terminal, and the stored value card received is shared It gives the side of sharing and identifies associated other users, expand and share the utilization rate that object further increases stored value card.
In one embodiment, a kind of method for processing business is provided, server-side 103 shown in FIG. 1 is operated in.Such as Figure 13 institutes Show, this approach includes the following steps：
S132：Receive the resource transfers information that resource endpoint is sent；Resource transfers information includes transfer numerical value, consumer's mark Know and the side's of holding mark；Resource transfers information receives terminal by resource and is based on the corresponding remaining sum of stored value card account reducing transfer number The service processing result obtained after value is sent.
When first terminal gets the process instruction to stored value card, stored value card account, consumer's mark, the side of holding are obtained Mark, and resource information is generated according to stored value card account, consumer's mark and the side's of holding mark.Resource receives terminal and obtains transfer The corresponding remaining sum of stored value card account is reduced transfer numerical value and obtains service processing result by numerical value and resource information, and according to business Handling result sends resource transfers information to server-side.
Resource in the present embodiment receives the cashier terminal that terminal can be businessman side.Consumer is led to after businessman consumes It crosses and initiates payment using the stored value card of spreadsheet format.Resource is set to receive by way of showing Quick Response Code or point-to-point communication Terminal obtains resource information.Resource receives terminal and also obtains transfer numerical value.It is real consumption of the consumer in businessman to shift numerical value The amount of money or it is preferential after spending amount.
The side of holding obtains stored value card by supplementing certain amount of money with money in businessman.It is got when the resource of businessman side receives terminal When resource information and transfer numerical value, the corresponding remaining sum of stored value card account is reduced into transfer numerical value and obtains service processing result.Business Handling result include stored value card account consumption after remaining sum.
Resource receives terminal and sends resource transfers information, the service in the present embodiment according to server-side according to business processing End is the server-side of social networking application.Resource transfers information includes transfer numerical value, consumer's mark and the side's of holding mark.
S134：Consumer mark with the side of holding mark it is inconsistent when, according to resource transfers information to consumer identify pair The terminal answered sends resource transfers request, and resource transfers request includes transfer numerical value and the side's of holding mark.
When server-side receives resource transfers information, judge that consumer's mark identifies whether unanimously with the side of holding.If consumption Side's mark is consistent with the side's of holding mark, then shows that consumer is the Fang of holding, without carrying out resource transfers.If consumer identifies Inconsistent with the side's of holding mark, then server-side asks to consumer to identify corresponding according to resource transfers information transmission resource transfers Terminal (i.e. first terminal), resource transfers request include transfer numerical value and the side's of holding mark.
S136：When receiving resource transfers confirmation, identifies corresponding account balance from consumer and reduce transfer numerical value, from The side of holding identifies corresponding account balance addition transfer numerical value, and resource transfers confirmation identifies corresponding terminal by consumer and receiving It is sent when being instructed to the confirmation asked resource transfers.
First terminal asks the display interface that showing resource transfer confirms according to resource transfers.The resource of one embodiment turns The display interface of request confirmation is moved as shown in figure 5, showing transfer numerical value (spending amount), the side's of holding mark (transfer object mark Know) and payment method.The payment method that social networking application is supported may be selected in payment method, for example, the bank with social networking application binding Card, user social networking application change etc..The means of payment can be selected by user.
Consumer's display interface shown in Fig. 5, which is clicked, to be confirmed, first terminal receives the confirmation asked resource transfers When instruction, sends resource transfers to server-side and confirm.Server-side is identified from consumer reduces transfer number in corresponding account balance Value identifies addition transfer numerical value in corresponding account balance from the side of holding.
Above-mentioned method for processing business, it is corresponding remaining from stored value card account according to resource information due to receiving terminal in resource After volume reduces transfer numerical value, corresponding account balance is identified from consumer by server-side and reduces transfer numerical value, from the side's of holding mark Know corresponding account balance addition transfer numerical value, therefore, the information of stored value card no longer relies on stored value card card, other user's energy Enough while possessing Stored Value card information and being consumed based on Stored Value card information, and is paid to the side of holding of stored value card after consumption Money, to improve the utilization rate of stored value card.
In another embodiment, further include after step S136：Corresponding terminal, which is identified, to the side of holding sends transfer Numerical value message, transfer numerical value message include transfer numerical value and stored value card account.
The transfer numerical value message of one embodiment is as shown in figure 14, and Data Transfer Message may include using abstract, explanation Cause of transferring accounts and remaining sum.
In another embodiment, further include after step S316：Update is sent to the corresponding terminal of stored value card account Account balance.It is understood that will be stored up after the good friend that stored value card is shared with social networking application by holder, or in the side of sharing After value card is shared with the good friend of social networking application, correspondence that will also establish stored value card account be identified by the side of sharing.Each After consumption, newer remaining sum is sent to and stored value card account counterpart terminal.
The method for processing business of the present invention is illustrated with reference to specific embodiment.
Figure 15 is the schematic diagram of the Stored Value card interface of the social networking application of the terminal of one embodiment.As shown in figure 15, it consumes The Stored Value card interface of social networking application is opened by consumer's terminal in side.User selects stored value card ready for use by terminal and carries out Delivery operation, terminal generate process instruction according to delivery operation.
As shown in figure 4, consumer's terminal obtains stored value card account, consumer's mark, the side's of holding mark, the side of holding mark and Stored value card account corresponds to.In the present embodiment, according to stored value card account, consumer mark, the side of holding mark generation Quick Response Code and/or Bar code, Quick Response Code and/or bar code are payment code.Consumer receives terminal and passes through barcode scanning gun by terminal display payment code, resource The bar code or Quick Response Code (payment code) that scanning consumer's terminal is shown, acquisition include stored value card account, consumer's mark and hold The resource information just identified.The resource information of one embodiment is as shown in Figure 6.
It is when the resource of businessman side, which receives terminal, gets resource information and transfer numerical value, stored value card account is corresponding remaining Volume reduces transfer numerical value and obtains service processing result.Service processing result include stored value card account consumption after remaining sum.Resource connects Receive the server-side that resource transfers information is sent to social networking application according to service processing result by terminal.
When server-side receives resource transfers information, judge that consumer's mark identifies whether unanimously with the side of holding.If consumption Side's mark is consistent with the side's of holding mark, then shows that consumer is the Fang of holding, without carrying out resource transfers.If consumer identifies Inconsistent with the side's of holding mark, then server-side asks to consumer to identify corresponding according to resource transfers information transmission resource transfers Terminal (i.e. consumer's terminal), resource transfers request include transfer numerical value and the side's of holding mark.
Consumer's terminal asks the display interface that showing resource transfer confirms according to resource transfers.The resource of one embodiment The display interface that transfer request confirms is as shown in figure 5, show transfer numerical value (spending amount), the side's of holding mark (transfer object Mark) and payment method.The payment method that social networking application is supported may be selected in payment method, for example, the silver with social networking application binding Row card, user social networking application change etc..The means of payment can be selected by user.
Consumer's display interface shown in Fig. 5, which is clicked, to be confirmed, consumer's terminal is received to resource transfers request really When recognizing instruction, sends resource transfers to server-side and confirm.Server-side is identified from consumer reduces transfer in corresponding account balance Numerical value identifies addition transfer numerical value in corresponding account balance from the side of holding.
Server-side identifies corresponding terminal to the side of holding and sends transfer numerical value message, and transfer numerical value message includes transfer numerical value With stored value card account.The transfer numerical value message of one embodiment is as shown in figure 14, and Data Transfer Message may include using abstract, Illustrate cause of transferring accounts.
In one embodiment, a kind of business processing device is provided, as shown in figure 16, including：Acquisition module 161 is sent Module 162 and receiving module 163.
Acquisition module 161, for when getting the process instruction to stored value card, obtaining stored value card account, consumer's mark Know, the side's of holding mark, the side's of holding mark is corresponding with stored value card account.
Sending module 162, for generating resource information according to stored value card account, consumer's mark and the side's of holding mark, by Resource receives terminal and obtains transfer numerical value and resource information, and the corresponding remaining sum of stored value card account, which is reduced transfer numerical value, obtains business Handling result, and according to service processing result to server-side send resource transfers information, resource transfers information include transfer numerical value, Consumer identifies and the side's of holding mark.
Receiving module 163 turns for receiving server-side in consumer's mark and the inconsistent side's of holding mark according to resource The resource transfers request that information is sent is moved, resource transfers request includes transfer numerical value and the side's of holding mark.
Sending module 162 is additionally operable to, when receiving the confirmation for asking resource transfers instruction, resource be sent to server-side Transfer confirms that identifying corresponding account balance from consumer by server-side reduces transfer numerical value, and corresponding account is identified from the side of holding Family remaining sum addition transfer numerical value.
Above-mentioned business processing device, it is corresponding remaining from stored value card account according to resource information due to receiving terminal in resource After volume reduces transfer numerical value, corresponding account balance is identified from consumer by server-side and reduces transfer numerical value, from the side's of holding mark Know corresponding account balance addition transfer numerical value, therefore, the information of stored value card no longer relies on stored value card card, other user's energy Enough while possessing Stored Value card information and being consumed based on Stored Value card information, and is paid to the side of holding of stored value card after consumption Money, to improve the utilization rate of stored value card.
In another embodiment, acquisition module, for according to stored value card account, consumer's mark, the side's of holding mark life At Quick Response Code and/or bar code, resource information includes Quick Response Code and/or bar code；
Or
Business processing device further includes communication device, and resource information is sent to resource for being communicated with resource reception terminal Receive terminal.
In a further embodiment, as shown in figure 17, further include：Data obtaining module 164, association acquisition module 165, row Table acquisition module 166 and sharing module 167.
Data obtaining module 164, for when receiving to stored value card when sharing request, acquisition to include stored value card account Stored Value card information, the side's of holding mark；The side of holding, which is identified as, shares the corresponding user identifier of request originator.
It is associated with acquisition module 165, for obtaining association user list, association user list includes identifying to exist with the side of holding Each user information of incidence relation.
List acquisition module 166, for obtain by association user list select by the side's of sharing mark.
Stored Value card information, the side's of holding mark are sent to server-side, by taking by sharing module 167 for being based on sharing instructing The correspondence that stored value card account is identified with the side of holding is established at business end, and when meeting Stored Value card information transmission condition, by Stored Value Card information and the side's of holding mark be sent to by the corresponding terminal of the side's of sharing mark.
Specifically, data obtaining module 164 includes that control module 1641, processing module of taking pictures 1642 and member card obtain mould Block 1643.
Control module 1641, for when receiving to stored value card when sharing request, the acquisition side of holding, which identifies and opens, to be taken the photograph As head；
Processing module of taking pictures 1642 for receiving photographing instruction, and is obtained according to the photographing instruction to entity stored value card card Piece take pictures the stored value card picture of acquisition；
Member card acquisition module 1643, for identification the word in stored value card picture obtain stored-value-card issuance side's title and storage Value card account obtain include stored value card account Stored Value card information.
Above-mentioned business processing device, first terminal are also used as the side's of holding terminal, and the stored value card held is shared with Associated other users are identified with the side of holding, the information of stored value card no longer relies on stored value card card, and other users can be simultaneously Possess Stored Value card information and consumed based on Stored Value card information, further increases the utilization rate of stored value card.
Please continue to refer to Figure 17, business processing device further includes：Request module 168 and display module 169.
Request module 168, for when receiving the refreshing instruction to stored value card, being asked to server-side transmission data；
Receiving module 163 is additionally operable to receive the Stored Value card information that the request of server-side response data is sent；
Display module 169 shows the Stored Value card information received；Stored value card information includes stored value card account and the side's of holding mark Know.
In a further embodiment, data obtaining module 164 is when getting when the sharing request of stored value card to receiving, Obtain includes that the Stored Value card information of stored value card account, the side of holding identify and the side's of sharing mark.
List acquisition module 165 is additionally operable to obtain association user list, and association user list includes being deposited with the side's of sharing mark In each user information of incidence relation.
User's acquisition module 166, be additionally operable to obtain by association user list select by the side's of sharing mark.
Sharing module 167, be additionally operable to based on share instruction by Stored Value card information, the side of holding mark, the side of sharing identify and by The side's of sharing mark is sent to server-side, by server-side when meeting Stored Value card information transmission condition, by Stored Value card information, the side of holding Identify and the side's of sharing mark be sent to by the corresponding terminal of the side's of sharing mark.
Above-mentioned business processing device, first terminal are also used as the side's of sharing terminal, and the stored value card received is shared It gives the side of sharing and identifies associated other users, expand and share the utilization rate that object further increases stored value card.
A kind of business processing device includes as shown in figure 18：Information receiving module 181, information sending module 182 and processing Module 183.
Information receiving module 181, the resource transfers information for receiving resource endpoint transmission；Resource transfers information includes turning Move numerical value, consumer's mark and the side's of holding mark；Resource transfers information receives terminal by resource and is based on corresponding to stored value card account Remaining sum reduce transfer numerical value after obtained service processing result send.
Information sending module 182, for consumer mark with the side of holding identify it is inconsistent when, according to resource transfers information Corresponding terminal is identified to consumer and sends resource transfers request, and resource transfers request includes transfer numerical value and the side's of holding mark.
Processing module 183, for when receiving resource transfers confirmation, identifying corresponding account balance from consumer and reducing Numerical value is shifted, identifies corresponding account balance addition transfer numerical value from the side of holding, resource transfers, which confirm to be identified by consumer, to be corresponded to Terminal sent when receiving the confirmation asked to resource transfers instruction.
Above-mentioned business processing device, it is corresponding remaining from stored value card account according to resource information due to receiving terminal in resource After volume reduces transfer numerical value, corresponding account balance is identified from consumer by server-side and reduces transfer numerical value, from the side's of holding mark Know corresponding account balance addition transfer numerical value, therefore, the information of stored value card no longer relies on stored value card card, other user's energy Enough while possessing Stored Value card information and being consumed based on Stored Value card information, and is paid to the side of holding of stored value card after consumption Money, to improve the utilization rate of stored value card.
In a further embodiment, information sending module 182 are additionally operable to identify corresponding terminal transmission transfer to the side of holding Numerical value message, transfer numerical value message include transfer numerical value and stored value card account.
Based on example as described above, a kind of computer equipment is also provided in one embodiment, the computer equipment packet The computer program that includes memory, processor and storage on a memory and can run on a processor, wherein processor executes It is realized such as any one method for processing business in the various embodiments described above when described program.
Based on example as described above, a kind of storage medium is also provided in one embodiment, is stored thereon with computer Program, wherein realized such as any one method for processing business in the various embodiments described above when the program is executed by processor.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, it is non-volatile computer-readable that the program can be stored in one It takes in storage medium, in the embodiment of the present invention, which can be stored in the storage medium of computer system, and by the calculating At least one of machine system processor executes, and includes the flow such as the embodiment of above-mentioned each method with realization.Wherein, described Storage medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to keep description succinct, not to above-mentioned reality It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited In contradiction, it is all considered to be the range of this specification record.
Several embodiments of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art It says, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention Range.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.

Claims (15)

1. a kind of method for processing business, which is characterized in that including：
When getting the process instruction to the stored value card shared based on social networking application, stored value card account, consumer are obtained It identifies, the side's of holding mark, the side's of holding mark is corresponding with the stored value card account；The stored value card is issued by businessman；
Resource information is generated according to the stored value card account, consumer's mark and the side's of holding mark, by the resource positioned at businessman side It receives terminal and obtains transfer numerical value and the resource information, the corresponding remaining sum of the stored value card account is reduced into the transfer numerical value Service processing result is obtained, and resource transfers information, the resource transfers are sent to server-side according to the service processing result Information includes transfer numerical value, consumer's mark and the side's of holding mark；
The server-side is received in consumer mark and the inconsistent side of holding mark, is believed according to the resource transfers The resource transfers request that breath is sent, the resource transfers request includes transfer numerical value and the side's of holding mark；
When receiving the confirmation asked to resource transfers instruction, sends resource transfers to server-side and confirm, by the clothes End be engaged in from the consumer mark corresponding account balance reduction transfer numerical value, corresponding account is identified from the side of holding Remaining sum adds the transfer numerical value.
2. method for processing business according to claim 1, which is characterized in that described according to the stored value card account, consumption Side identifies, the side of holding identifies the step of generating resource information and includes：
Quick Response Code and/or bar code, the resource information are generated according to the stored value card account, consumer's mark, the side's of holding mark Including the Quick Response Code and/or bar code；
Or
After described the step of generating resource information according to the stored value card account, consumer's mark, the side's of holding mark, also wrap It includes：It is communicated with resource reception terminal and the resource information is sent to the resource reception terminal.
3. method for processing business according to claim 1, which is characterized in that the method further includes：
When receiving to stored value card when sharing request, acquisition includes Stored Value card information, the side's of the holding mark of stored value card account；Institute It states the side of holding and is identified as and share the corresponding user identifier of request originator；
Association user list is obtained, the association user list includes that there are each users of incidence relation with the side of holding mark Information；
Obtain by the association user list select by the side's of sharing mark；
Be sent to server-side based on sharing instruction and identifying the Stored Value card information, the side of holding, established by server-side described in The correspondence that stored value card account is identified with the side of holding, and when meeting Stored Value card information transmission condition, by the Stored Value Card information and the side of holding mark are sent to described by the corresponding terminal of the side's of sharing mark.
4. method for processing business according to claim 3, which is characterized in that the acquisition includes the Stored Value of stored value card account The step of card information includes：
When receiving to stored value card when sharing request, obtains the side of holding and identify and open camera；
Photographing instruction is received, and obtains the stored value card figure for the acquisition that entity stored value card card take pictures according to the photographing instruction Piece；
Identify that the word in the stored value card picture obtains stored-value-card issuance side's title and stored value card account, the Stored Value card information Including publisher's title and stored value card account.
5. method for processing business according to claim 1, which is characterized in that further include：
When receiving the refreshing instruction to stored value card, asked to the server-side transmission data；
It receives the server-side and responds the Stored Value card information that the request of data is sent；
Show the Stored Value card information received；The stored value card information includes the stored value card account and the side's of holding mark Know.
6. according to the method for processing business described in claim 1 or 3 or 5, which is characterized in that further include：
When getting when the sharing request of stored value card to receiving, acquisition includes the Stored Value card information of stored value card account, holds Side identifies and the side's of sharing mark；
Association user list is obtained, the association user list includes that there are each users of incidence relation with the side of sharing mark Information；
Obtain by the association user list select by the side's of sharing mark；
The Stored Value card information, the side of holding mark, the side's of sharing mark are identified into transmission with by the side of sharing based on instruction is shared The Stored Value card information, the side of holding are identified and shared by server-side when meeting Stored Value card information transmission condition to server-side Side's mark is sent to described by the corresponding terminal of the side's of sharing mark.
7. a kind of method for processing business, which is characterized in that including：
Receive the resource transfers information that the resource endpoint positioned at businessman side is sent；The resource transfers information include transfer numerical value, Consumer identifies and the side's of holding mark；The resource transfers information receives terminal based on stored value card account is corresponding remaining by resource Volume reduces the service processing result obtained after the transfer numerical value and sends；The stored value card account is issued by businessman；
In consumer's mark and the inconsistent side of holding mark, is identified and corresponded to consumer according to the resource transfers information Terminal send resource transfers request, resource transfers request includes transfer numerical value and the side's of holding mark；
When receiving resource transfers confirmation, identifies corresponding account balance from the consumer and reduce the transfer numerical value, from The side of holding identifies corresponding account balance and adds the transfer numerical value, and the resource transfers, which confirm to be identified by consumer, to be corresponded to Terminal sent when receiving the confirmation asked to resource transfers instruction.
8. method for processing business according to claim 7, which is characterized in that identifying corresponding account from the side of holding After remaining sum adds the step of transfer numerical value, further include：
Identify corresponding terminal to the side of holding and send transfer numerical value message, the transfer numerical value message include transfer numerical value with Stored value card account.
9. a kind of business processing device, which is characterized in that including：Acquisition module, sending module and receiving module；
The acquisition module, for when getting the process instruction to the stored value card shared based on social networking application, obtaining Stored value card account, consumer's mark, the side's of holding mark, the side's of holding mark are corresponding with the stored value card account；The Stored Value Card is issued by businessman；
The sending module, for generating resource information according to the stored value card account, consumer's mark and the side's of holding mark, by Resource positioned at businessman side receives terminal and obtains transfer numerical value and the resource information, by the corresponding remaining sum of the stored value card account Reduce the transfer numerical value and obtain service processing result, and resource transfers letter is sent to server-side according to the service processing result Breath, the resource transfers information include transfer numerical value, consumer's mark and the side's of holding mark；
The receiving module, for receiving the server-side in consumer mark and the inconsistent side of holding mark, The resource transfers request sent according to the resource transfers information, the resource transfers request includes transfer numerical value and the side's of holding mark Know；
The sending module is additionally operable to, when receiving the confirmation for asking resource transfers instruction, send and provide to server-side Source transfer confirms that identifying corresponding account balance from the consumer by the server-side reduces the transfer numerical value, from described The side of holding identifies corresponding account balance and adds the transfer numerical value.
10. business processing device according to claim 9, which is characterized in that the acquisition module, for according to the storage It includes the Quick Response Code that value card account, consumer's mark, the side's of holding mark, which generate Quick Response Code and/or bar code, the resource information, And/or bar code；
Or
The business processing device further includes communication device, sends out the resource information for being communicated with resource reception terminal It send to resource and receives terminal.
11. business processing device according to claim 9, which is characterized in that further include：Data obtaining module, association obtain Modulus block, list acquisition module and sharing module；
Described information acquisition module, for when receiving to stored value card when sharing request, acquisition to include the storage of stored value card account Value card information, the side's of holding mark；The side of holding, which is identified as, shares the corresponding user identifier of request originator；
The association acquisition module, for obtaining association user list, the association user list includes and the side's of holding mark There are each user informations of incidence relation for knowledge；
The list acquisition module, for obtain by the association user list select by the side's of sharing mark；
The Stored Value card information, the side of holding mark are sent to server-side by the sharing module for being based on sharing instructing, The correspondence that the stored value card account is identified with the side of holding is established by server-side, and item is sent meeting Stored Value card information When part, the Stored Value card information and the side of holding mark are sent to described by the corresponding terminal of the side's of sharing mark.
12. a kind of business processing device, which is characterized in that including：Information receiving module, information sending module and processing module；
Described information receiving module, the resource transfers information that the resource endpoint for receiving positioned at businessman side is sent；The resource Transinformation includes transfer numerical value, consumer's mark and the side's of holding mark；The resource transfers information receives terminal base by resource The service processing result obtained after the corresponding remaining sum of stored value card account to be reduced to the transfer numerical value is sent；The stored value card account It number is issued by businessman；
Described information sending module, in consumer's mark and the inconsistent side of holding mark, being turned according to the resource It moves information and identifies corresponding terminal transmission resource transfers request to consumer, the resource transfers request includes transfer numerical value and holds Card side identifies；
The processing module, for when receiving resource transfers confirmation, identifying corresponding account balance from the consumer and subtracting The small transfer numerical value identifies corresponding account balance from the side of holding and adds the transfer numerical value, and the resource transfers are true Recognize and corresponding terminal is identified when receiving the confirmation asked to resource transfers instruction by consumer sends.
13. business processing device according to claim 12, which is characterized in that described information sending module, be additionally operable to The side of holding identifies corresponding terminal and sends transfer numerical value message, and the transfer numerical value message includes transfer numerical value and stored value card Account.
14. a kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor Computer program, which is characterized in that the processor realizes the industry described in any one of claim 1-8 when executing described program Business processing method.
15. a kind of storage medium, is stored thereon with computer program, which is characterized in that the program is realized when being executed by processor Method for processing business as described in any one of claim 1-8.
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